Makadhi epurasitiki ave kwenguva refu akabatanidzwa muupenyu hwedu. Chinhu chiduku, chakanaka chekubhadhara chinogamuchirwa chero kupi zvako munyika. Mukuwedzera, zvakachengeteka zvikuru. Iwe unofanira kugara uchiyeuka pikini yepini uye uite nechokwadi kuti kadhi hairi kurasikirwa, zvisinei kuti cybercriminals ichaziva CVV uye, somuenzaniso, inobhadhara kutenga muchitoro chendaneti. Asi kune imwe nzira yekugadzirisa - PayPass. Icho ichi uye kuti ungashandisa sei chigadzirwa ichi, uchadzidza kubva munyaya ino.

Tsanangudzo

PayPass iyi isingabhadhari yekubhadhara teknolojia kuburikidza ne MasterCard bank card . Nokuti kubhadhara kuri kukwana kuisa kadhi ine microprocessor kune inogumira. Iyi ndiyo inyanzvi yePayPass. Chaizvoizvo, kadhi iri microchip ine antenna. MuTaiwan, USA, Spain neTurkey, MasterCard PayPass microprocessor inovakwa muwindo, mafoni uye zvimwe zvinhu izvo munhu anotakura naye zuva rega rega.

Sangano rakachengeteka rakadaro rinobvumira zvigadzirwa zvishomanana, zvinokurumidza uye zvakachengeteka. Iye zvino munguva yekubhadhara hapana chikonzero chekutambura nemishumo, kutora kadhi kuburikidza nekuguma, chiratidzo chekucherechedza. Mushandisi anongoda kubata chiremera chakanaka. PayPass teknolojia inobatsira zvikuru mubasa rekutengesa nezvinhu zvakaderera nepamusoro yekutengesa nguva. Asi nokuda kwekukura kwayo kukuru mune ramangwana, zvakakosha kusimudzira kuchengetedzwa kwemabasa.

Nhoroondo yekusimudzirwa

Muna 2003, MasterCard yakaedza kushandiswa kwekusagadzikana kwekombiyuta muOrlando neFlorida kwemwedzi 9. Pamashoko makumi matanhatu akasiyana, vashandi vakabhadhara makadhi zviuru makumi matanhatu. Mukufananidza, kambani yakashandura kubatana kwayo neNokia, JPMorgan, AT & T yekuiswa kwePayPass mumaselula. Muna 2008, chigadzirwa chemamiriyoni makumi mashanu chakabudiswa. Panguva ino, 77% yevashandisi vakashandisa kusina teknolojia isingabatsiri senzira huru yekubhadhara. Pakazosvika gore ra2010, PayPass yakatangwa muBulgaria neSlovakia, pamaoko evashandisi pane makadhi mamiriyoni 75 ayo akagamuchirwa mumasendimita 230 zviuru. Maererano neshumo yezvemari yekambani yegore ra2012, mutengo wezvakabuda wakakura ne50% nekuda kwekuwedzera kwenhamba yevashandi muEurope yose. Nhasi, makadhi ePayPass anotumirwa naSberbank weRussia uye Privat muUkraine.

Izvo zvingave zvePayPass zvisati zvaratidzwa

Izvi zvinorevei? Zvisingabatsiri kutengesa zvinobatsira vose vatengesi vemusika: vatengi, mabhizinesi nemabhangi. Masangano ezvemari anopa vashandi vavo nzira dzakawanda dzokubhadhara, vanotora - kuwedzera kuvimbika kwevadzidzisi vemakadhi kumapurogiramu ekadhi. Iyi teknolojia inogona kubhadhara chero chikwereti, kubhadhara, co-branding nezvimwe zvirongwa.

Kutengeserana masangano umo mureza wePayPass akaiswa kunogona kushandira vatengi vavo kune imwe nzvimbo yakakwirira. Kuderedza nhamba yemabasa inokurumidza kufambisa kushanda kwemari uye inoita kuti iwedzere kubudirira. Basa guru rekutanga, iro rakatanga kushandisa MasterCard PayPass, ndiro McDonald's. Nenguva isipi kufarira kunyanzvi itsva yakasimuka pakati pevatambi vebhola uye vanofarira gorofu. Izvo zvisina kugadziriswa ikozvino inoshandiswa mumashandukiro, mishonga yekugadzira, kana zvakadaro.

PayPass: kwavanobvuma uye kusunungurwa muRussia

Mutengo wokutanga usina kubhadhara muRussia Federation yakabatanidzwa musi wa 09.09.08 muchitoro cheMoscow "Five stars". Kadhi yekutanga yePayPass yakabudiswa neBusiness Bank muna 2010. Kune vadzidzisi nevadzidzisi zvakagadzirirwa kubudisa kuparadzaniswa kwemakadhi. Zvinogona kushandiswa kwete chete nekuda kwechinangwa chavo, asiwo sevadzidzi-rekodhi-bhuku uye yechikoro chevadzidzi.

Kubvira muna 2011, kadhi ine magnetic stripe uye microchip inobudiswa neRaiffeisenbank. Inopiwa pachena pasina mari kune vatengi sechikamu chePeumum package. Asi kuti ushandise iwe unoda kuva nehuwandu huripo hwemamiriyoni maviri eru rubles. Kana mamiriyoni 1, kana iwe ukapedza mabhiriyoni makumi maviri emakumi maviri emwedzi. Vatengesi vasingateereri chiitiko ichi vachabhadhara rubles 3000 pamwedzi.

Analogues munyika

Matauriro asingatauri aripo muVisa system. PayWare mufananidzo wePayPass. Izvi zvinorevei? Visa uye JCB Co. Ltd. Akaisa chibvumirano chekubvuma kushandiswa kwe MasterCard seyo imwe protocol, iyo iyo, iyo dzose dzisingatauri hutaneti dzichaongororwa nenzira imwechete, kuve nekugadzirisa maitiro ose.

Izvo zvinobatsira zvakanyanya zvekubhadhara zvisina kufanira:

• Nhasi nzira yekuverenga;
• Nzira yose yekubhadhara - kadhi rakadaro rebhangi rinogona kushandiswa kwete chete kumashandisirwo matsva, asiwo mune maATM mazhinji uye zvigaro;
• Upenyu hurefu hwehupenyu;
• Kukurumidza kubhadhara;
• Kudzivirirwa kubva pakunyengeri.

Asi kune rimwe dambudziko guru -kushayikwa kwekugadziriswa kwekugadzirwa kwezvinhu, iyo mari yakawanda kwazvo zvokuti mabhanga kana makambani ekutengesa vari kukurumidza kuisa mairi. MuUnited States, kwemakore matatu, zvikamu gumi chete zvezvitoro zvakasimudza zvigaro.

PayPass: nzira yekushandisa

Pamusana pekuvapo kwechigadzirwa chakanaka nemakadhi asingabatsiri, unogona kuita mari shoma pasina kubvumirwa neanenge ari. Mabasa akadaro anongodarika madhora gumi nemashanu muU.S., 50 zł muPoland, 10 pounds mu UK, 1000 rubles muRussia. Kushanda kwemazana akawanda kuchafanirwa kusimbiswa nekusaina cheki kana kupinda PIN. Asi kwete mabhanga ose anobvumira izvi. Somuenzaniso, muGermany neAustria, kana muganhu wacho wapfuura, kubhadhara kunofanira kuitwa kuburikidza nehuwandu hwekutsvaga nzira.

MasterCard nyaya dzebitoro uye chikwereti PayPass. Nzira yekushandisa sei chipfeve chip

Mushure mokutengesa kwega kwega, mari yacho inokweretwa kubva kubhangi kana kuti yega yega. Kubvira pakushamwaridzana, ipapo pane kadhi, unogona kushandisa keychain neRFID sticker, smartphone neNFC, nezvimwe. Unogona kubhadhara zvinhu chete kune vatengesi neWayWave Visa, PayPass logo. Icho chinogumira chinosimbisa nzira yekuverenga nezwi rinonzwika. Mushandisi haafaniri kutumira kadhi muzvanza zveumwe munhu, pinda PIN-code, chengeta cheki. Zvakakwana kuunza kune chiremera chikwama nekadhi. Mukati mavo haafaniri kuva nemamwe mapurisa epurasitiki ane chip. MuGermany, vanoiswa pamakadhi ekuzivikanwa.

Chengetedzo

Kubatirana kwekutengesa kunonyanya kuderedza nguva. Asi maererano nekuchengeteka, vashandi vane mibvunzo yakawanda. RFID Chip inogona kukanganisa makadhi acho zvishoma kusvika pamasendimita 2. Izvi zvinopikisa mubvunzo kunyatsoshamwaridzana kwekushandiswa.

PayPass inodzivisa kuverenga zvakananga neRFID. Chip chipimo rine nhamba pamusoro pemazuva uye nguva yekupera kwekadhi, uye izvi hazvina kukwana kutengesa zvinyorwa zvepaIndaneti. Pabasa rimwe nerimwe, kadhi imwe yekanguva inogadzirwa. Kana uchiverenga iyo kadi isati yashandiswa, unogona kugadzira clone yayo. Kushandiswa kwekutanga kwekodhi nekinyorwa kuchabvumidzwa, uye kushandiswa kwechirevo chepakutanga kuchaguma nekuvhara kwezvinhu zvose zvemashoko. Zvichipa miganhu yakaderera yekutengesa, cloning yemakadhi haibatsiri.

Iwe haugone kuita maitiro akawanda kubva ku-mobile terminal. Mundima ine vanhu vazhinji, dhesiro pamabasa akadaro inofanira kugamuchirwa nekambani yakagamuchirwa kuitira kuti kunze kusakwanisa kushandisa kadhi risina mvumo. Shanduro dzakadaro dzinoongorora nhamba imwe neimwe yakagadzirwa uye ichitaridzire kuti inyorwe. Kuti udzivirire zvakakwana ruzivo, iwe unofanirwa kuvhara kadhi, somuenzaniso, kuuputira mumapepa.

Ndekupi kwaunogona kushandisa teknolojia yeTechCard Mobile PayPass

MuMoscow, St. Petersburg nemamwe maguta makuru eRussia pane zvakawanda zve "zvisina kufanira" pfungwa: zviporoti, maresitorendi, mahodere, ma pharmacy, refuellings, beauty salons nemamwe masangano akafanana. Mukuwedzera, mamwe masangano anobata zvinyorwa kune vashandisi veTechnology PayPass. Semuenzaniso, mumusoro wekuchamhembe kusvikira pakupera kwaFebruary, kuripa mutemo mune yako yaunoda cafe ane smartphone, unogona kuwana kofi sechipo.

Latest News

St. Petersburg Metro kubva munaJanuary 2015 yakatanga kutora mutero usingabhadharwi panguva dzose. Chiyero chakaenzana nebhadharo chinobviswa kubva pakadhi yekubhadhara. Iwe unogona kuita mutengesi chete kune rumwe rutivi rworuboshwe rwemutsipa wakatendeuka. Nokubhadhara, ingoisa kadhi yacho kumutsara wejena. Kana mutengesi wacho wapera, ruvara rwebhuruu rucharamba ruchiyerera pamhepo inotenderera.

Watch2Pay watch watch rinogonawo kuva chibharo chekubhadhara - chigadzirwa cheB AK BARS bank. Chero chete muKazan, nhamba yekutangira-mirairo yakanga inopfuura zvuru. Mutengo wekutengesa wechigadzirwa ndeye 3 000 rubles. RF. Purasitiki inotarisa muzvikwata zvakasiyana-siyana (chena, dema, tsvuku, bhuruu) ine uwandu hwakawanda. Mukuwedzera kune imwe nguva Seiko Epson, vanewo slot ye SIM-kadhi. Iyo kitambo inosanganisira kadhi kadiki isina kufanira. Kuti uite iyo ziso, unoda kutumira SMS kubva kwavari ine nhamba yekadhi.

Muzhizha ra2014, unogona kushandisa smartphone neNFC kuti ubhadhara nokuda kwekufambisa kwekutakura vanhu. Kuti uite izvi, mufambisi anofanira kuwana kadhi yakadhi-SIM nekambofambiswa yekutakura. Kuti ubhadhe, unoda kuunza foni kune validator, iyo iri pane mutungamiriri. Mumugwagwa wepasi pevhu ivo vanoiswa munzvimbo dzakasiyana-siyana. MuKazan, awa inogona kushandiswa sepfuura kuIt park. Nokuda kweizvi, zvigaro zvekutonga zvakagadzirirwa pamasuo ezvimwe zvemitambo - kutadza. MuTatarstan kune vanopfuura 150 vavo.

Summary

Makadhi epurasitiki ane unhu hwakakodzera - PayPass. Chii ichocho? Kwete-inyanzvi yekombiyuta, iyo inoshandisa chigadziro ine microcircuit uye antenna paunenge uchibhadhara. Kuti usimbise kubhadhara, haufaniri kuisa PIN code uye kuisa cheki. Zvakakwana kugunzva mapepa kune imwe nzvimbo yakasarudzwa. Muganhu wekuita maitiro ishoma nebhangi rinobudisa, asi muRussia harinopfuura 1 ruble rimwe. Iwe unogona kushandisa teknoloji kwete chete nemepu. Kwete kare kare Watch2Pay maziso akaonekwa ane chipanana chakafanana ne3000 rubles. Mukuwedzera, mafoni efoni neNFC anokwanisa kubhadharwa nekufambisa kwekutakura vanhu. Asi nokuda kweizvi iwe unofanira kutenga SIM card nechisungo chakakosha chekushandiswa. Kushaiwa kwekugadziriswa kwekugadziriswa mumataundi maduku kunodzivirira kushandiswa kwakazara kwekombiyuta.